Petra Cephas stands for a man who was recognized as one of the leaders of the 12 disciples named St. Peter. Petra Cephas, translated to “Peter, the Rock” in Latin, means that St. Peter was given a three-fold blessing to the keys of a kingdom by Jesus. Appointed as a king, he ruled with great authority.
Our name pertains to the way our team works with the roots of integrity. At Petra Cephas, we are all about being leaders of our kingdom, that are committed to providing exceptional service that will give home buyers the opportunity to a better life. As professionals in the mortgage business with over 15 years of experience, our belief is to provide clients with the most convenient options to pay for their home and consider closing costs. Our team makes sure to lead our clients to their own kingdoms, which is the comfort of a home. As the story goes, the authority of the king, St. Peter, was passed to another man by giving them the keys.
By helping clients receive their keys and preparing them for their biggest decisions, we offer residential financing for Primary Residences, Second Homes, and Investment Properties. We handle Single Family, Condominiums, Town Homes, 2-4 Units, and Commercial Properties. We are licensed in New Jersey, Pennsylvania, New York, California, and Florida.
With a 5 star rating in customer service on Zillow and Google, we truly care about our customers and believe in their satisfaction.
Changes to the Property Value could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
You can change the property value by moving the Property Value slider up or down or by entering a new Property Value manually in the Property Value box.
When you change the Property Value, only the LTV will change, and the Loan Amount will remain the same Loan Amount.
Other advanced sliders’ options are available with Lendersa® Advanced Calculator
CloseChanges to the loan amount, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
CloseLTV is the abbreviation of Loan To Value, and it is the ratio between the Loan Amount and the Property Value. The formula to calculate LTV is Loan Amount divided by the property value. 
Example: Loan Amount $300,000, Property value $400,000 
Changes to the LTV, even so slightly, could change the results in a significant way. Lendersa® sliders allow you to make fast changes to explore your financing options.
The Loan Amount Slider
Change the Loan Amount by moving the Loan Amount slider. (The LTV will change, and the Property Value will remain unchanged).
The LTV Slider
Change the Loan Amount by moving the LTV slider. (The Property Value will remain unchanged).
Other advanced options are available with Lendersa® Advanced Calculator
Close
The drum of the realization of the promise is beating, we are sweeping the road to the sky. Your joy is here today, what remains for tomorrow? The armies of the day have chased the army of the night...
NMLS 1795154